Officer - Credit Review

Job Purpose:

The Officer – Credit Review executes loan credit review assignments ensuring accurate evaluation of credit portfolios, risk ratings, and credit management practices. He/She reviews and validates risk ratings, identifies emerging risk issues, and ensures compliance with internal policies and regulatory requirements. The Officer – Credit Review executes end‑to‑end credit review processes, enhances review standards through collaboration with business teams and regulators, and ensures accurate and timely reporting in alignment with departmental objectives.

• Executes loan credit review assignments, ensuring thorough evaluation of credit portfolios, risk ratings, and credit management practices in alignment with departmental objectives.
• Reviews and validates risk ratings and credit analyses to ensure compliance with internal policies, regulatory requirements, and industry best practices.
• Identifies emerging loan credit risk issues and trends, providing expert recommendations to mitigate risk and enhance credit quality.
• Executes end‑to‑end credit review processes, including loan processing documentation and credit file control, ensuring accuracy and completeness.
• Implements process enhancement initiatives by applying data analytics and technology to improve efficiency and accuracy under the supervision of the line manager.
• Collaborates with business teams, risk officers, and credit units to strengthen credit review standards and practices.
• Coordinates with cross‑functional stakeholders to enhance system capabilities and maintain data integrity for effective credit risk assessment.
• Ensures timely and accurate preparation and submission of regulatory and internal credit review reports, including daily, monthly, and ad‑hoc returns.
• Manages day‑to‑day interactions with regulators related to credit review and facilitates inspections or audits within the assigned scope.
• Ensures regulatory returns are adhered to and submitted on a timely manner.

• Bachelor’s degree in Accounting or Finance.
• A professional certification in Credit Administration (e.g., ACCA, CCP, CBCA, CICC etc.) is desired.
• Relevant internships in NBFCs or banking environments such as credit administration, credit review, or related credit functions are advantageous.
• Knowledge of credit risk assessment methodologies, risk rating validation, and regulatory compliance requirements.
• Knowledge of local banking regulations and global standards related to credit reviews and credit risk requirements.